Healthy Paws | Pet Insurance Review

I have never felt compelled to write a review for a service until now. And it's insurance of all things. :) We have been customers of Healthy Paws for about 7 years and they have been absolutely critical keeping our boy Duke alive and happy. Duke has had a series of unpredictable but life-threatening systemic issues, some acute and some needing ongoing treatment/medication. I have been absolutely surprised and elated at how easy and fast I was able to submit claims and get reimbursed. It's also very hard to find pet insurance with no annual max, but thankfully I selected a policy with the right company. In 2024, Duke's medical bills are pretty close to $30,000. Our decisions in very emotional and tense moments have been focused 100% on what is best for him. I don't have to worry about paying for his care and I am confident in how much reimbursement we will get. Duke is the poster child for why pet insurance is an absolute must and I highly recommend Healthy Paws.

I have never used pet insurance before, and when we adopted a purebred Sphynx, I thought it was in our best interest. I did my research and found Healthy Paws. The price was competitive, and the coverage I was quoted for felt sufficient. Fast forward to our cat's 1 year well visit, we were informed his cardio pet value was the highest they'd ever seen and referred us to a cardiologist. Sadly, our baby was diagnosed with juvenile heart disease, and we were given the news that he would be on lifelong medication and still have a short life. The news was devastating, and I was worried about how the insurance would treat us. They were amazing. The claims were easily submitted, and we were reimbursed within 2 days directly to our bank account. He recently went into heart failure after a routine procedure and was in the hospital. Healthy Pets covered all of his costs that were covered and even sent a check-in email to see how he was progressing. They make a bad situation feel safe and secure. Now I can focus on him and less about how I will afford to care for him. Highly recommend!

When we signed up in 2020, they had good reviews. Once in, you have to upload all of your pets history, which we did. For 4 and a half years we have been canceled once with no notice because the card expired. Guess what, you have to reload all your doxuments, two week before we knew because we checked the card. Biggest issue is all their time, we had one claim approved to our deductible. The others they ran into lack is docs. We have a service dog, so everything has been provided every time. Their fees also are outrageous for the lack of coverage. Go anywhere but here.

Healthy Paws has always been there for us and especially recently with one of our cats who has been battling multiple tumors/cancers the last few years. The number of diagnostics and treatments she has had to have would have broken the bank, but Healthy Paws covered 80% minus exam fees! Incredible! Our cat is still going through chemo but is doing really well thanks to Healthy Paws. We will never not have pet insurance again for any pet and will always choose Healthy Paws knowing how great they have been to us over the years. Yes, the premiums do increase each year, but they do for my other insurances too, like human medical, auto, home, etc. Thank you Healthy Paws!

They charge a lot and unless you have the one off where your animal needs a huge surgery it’s not worth it. They started out at around $20 something a month. Then they went up to $80 a month - per pet !!! 3 of which had never had any claims. Plus deductible per pet. Start a saving plan and put the $240 a month in the bank and add on the deductible per year and realize you are not saving anything. Keep in mind insurance is a business to make money. Don’t waste your money. A lot of things are not covered. Make sure you are aware.